<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the December
31, 1999 consolidated financial statements and management's discussion and
analysis of financial condition and results of operations contained in the Form
10-K and is qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER> 1,000,000

<S>                                      <C>
<PERIOD-TYPE>                                    12-MOS
<FISCAL-YEAR-END>                           DEC-31-1999
<PERIOD-START>                              JAN-01-1999
<PERIOD-END>                                DEC-31-1999
<CASH>                                            8,855
<INT-BEARING-DEPOSITS>                            1,772
<FED-FUNDS-SOLD>                                  2,353
<TRADING-ASSETS>                                  7,849
<INVESTMENTS-HELD-FOR-SALE>                      24,131
<INVESTMENTS-CARRYING>                            1,081
<INVESTMENTS-MARKET>                              1,081
<LOANS>                                         119,700
<ALLOWANCE>                                       2,488
<TOTAL-ASSETS>                                  190,692
<DEPOSITS>                                      114,896
<SHORT-TERM>                                     18,106
<LIABILITIES-OTHER>                              17,034
<LONG-TERM>                                      25,349
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                         691
<COMMON>                                              9
<OTHER-SE>                                       14,607
<TOTAL-LIABILITIES-AND-EQUITY>                  190,692
<INTEREST-LOAN>                                  10,561
<INTEREST-INVEST>                                 1,699
<INTEREST-OTHER>                                    792
<INTEREST-TOTAL>                                 13,052
<INTEREST-DEPOSIT>                                3,516
<INTEREST-EXPENSE>                                6,310
<INTEREST-INCOME-NET>                             6,742
<LOAN-LOSSES>                                       933
<SECURITIES-GAINS>                                    7
<EXPENSE-OTHER>                                   9,357
<INCOME-PRETAX>                                   3,426
<INCOME-PRE-EXTRAORDINARY>                        3,426
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,038
<EPS-BASIC>                                        2.16
<EPS-DILUTED>                                      2.10
<YIELD-ACTUAL>                                     4.23
<LOANS-NON>                                         795
<LOANS-PAST>                                        320
<LOANS-TROUBLED>                                     40
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,306
<CHARGE-OFFS>                                     1,186
<RECOVERIES>                                        290
<ALLOWANCE-CLOSE>                                 2,488
<ALLOWANCE-DOMESTIC>                              2,021
<ALLOWANCE-FOREIGN>                                 353
<ALLOWANCE-UNALLOCATED>                             114



</TABLE>